CROSSWALK FOR 2022 PLAN YEAR

STATE OF NEW MEXICO OFFICE OF SUPERINTENDENT OF INSURANCE SUPERINTENDENT OF INSURANCE Russell Toal DEPUTY SUPERINTENDENT Jennifer A. Catechis Main Office: 1120 Paseo de Peralta, Room 428, Santa Fe, NM 87501 Satellite Office: 6200 Uptown Blvd NE, Suite 400, Albuquerque, NM 87110 Main Phone: (505) 827-4601 | Satellite Phone: (505) 322-2186 | Toll Free: (855) 4 - ASK - OSI www.osi.state.nm.us BULLETIN 2021-015 August 3, 2021 TO: ALL INSURERS OFFERING QUALIFIED HEALTH PLANS ON THE NEW MEXICO HEALTH INSURANCE EXCHANGE IN PLAN YEAR 2022 RE: CROSSWALK FOR 2022 PLAN YEAR When an issuer intends to discontinue plans currently offered on the Health Insurance Exchange, they must map individuals to a comparable plan to ensure that they do not lose coverage the following year. Several issuers have eliminated all offerings within certain metal tiers for Plan Year 2022 (“PY2022”). This Bulletin directs issuers to crosswalk members of discontinued onexchange plans as follows: • QHPs Discontinuing Catastrophic plans who intend to offer Bronze, Silver and Gold Plans in PY2022 Catastrophic to Lowest Cost Bronze • QHPs Discontinuing Catastrophic plans who intend to offer only Silver and Gold Plans in PY2022 Catastrophic to Lowest Cost Gold • QHPs Discontinuing Standard Bronze plans who intend to offer Expanded Bronze, Silver and Gold Plans in PY2022 Catastrophic to Lowest Cost Expanded Bronze • QHPs Discontinuing Standard Bronze who intend to offer only Silver and Gold Plans in PY2022 Bronze to Lowest Cost Gold • QHPs Discontinuing non-HSA-Eligible HDHP who intend to offer an HSA-eligible plan in another metal level Map the member to the lowest-premium HSA-eligible plan available B U L L E T I N 2 0 2 1 - 0 1 5 P a g e | 2 Main Office: 1120 Paseo de Peralta, Room 428, Santa Fe, NM 87501 Satellite Office: 6200 Uptown Blvd NE, Suite 400, Albuquerque, NM 87110 Main Phone: (505) 827-4601 | Satellite Phone: (505) 322-2186 | Toll Free: (855) 4 - ASK - OSI www.osi.state.nm.us In rate guidance for PY2022, the Office of Superintendent of Insurance (“OSI”) encouraged health insurance issuers to map non-CSR Silver and CSR 73 members into Gold plans. However, the New Mexico Health Insurance Exchange has informed OSI that this will not be operationally feasible for PY2022. In future years, OSI expects that the Exchange will be able to handle more sophisticated forms of plan mapping for auto-renewals. For this year, we ask that plans disregard OSI’s previous guidance concerning mapping non-CSR Silver and CSR 73 members into Gold plans. As noted, this guidance only applies to on-exchange members. A subject insurer shall not crosswalk off-exchange members in discontinued plans. The OSI expects to provide additional guidance for communicating with off-exchange members about the discontinuation of their plans, and the opportunity to potentially purchase more favorable coverage, at a lower cost on the Exchange for PY2022. For questions about this guidance, please contact Colin Baillio at colin.baillio@state.nm.us. ISSUED this 3rd day of August, 2021. __________________________________ RUSSELL TOAL Superintendent of Insurance